Financing your child’s dental care with CareCredit is a healthcare-specific credit option that allows parents to pay for pediatric dental treatments over time. The American Dental Association supports the use of CareCredit, allowing patients to pay for dental treatments over time [1] (ADA, 2023). Village Family Dental accepts CareCredit, offering interest-free financing for emergencies and orthodontics.
Insurance and Costs for Pediatric Dentistry
Most dental insurance plans (like UHC and BCBS) have annual maximums, deductibles, and co-pays. For example, your insurance might cover 80% of a pediatric crown, leaving you responsible for the remaining 20%. If you have multiple children needing care at the same time, that 20% can quickly multiply. CareCredit is not meant to replace your dental insurance and is designed to work alongside it.
At Village Family Dental in Raeford, our front desk team will always bill your primary insurance first. Once we know exactly what your insurance covers, you can use your CareCredit card to pay the exact remaining balance. This strategy protects your savings account while ensuring your child receives the highest-quality materials and care without compromise.
Financing early orthodontics
Orthodontic work is a major financial commitment, but also a critical investment in your child’s long-term health and confidence. Whether your child needs Phase 1 early intervention or full traditional braces, delaying treatment can worsen their bite alignment as they grow. CareCredit is the perfect solution for orthodontics. Because braces cost several thousand dollars, the ability to stretch that cost over 12, 18, or 24 months with promotional interest-free financing is a game-changer for Hoke County families. Instead of paying a massive lump sum upfront, you simply make a manageable monthly payment that fits into your existing household budget. Your child gets on the fast track to a straight smile, and you maintain your financial peace of mind.
CareCredit for expensive dental emergencies
When a dental emergency occurs, having the financial foundation to afford care is critical to managing your oral health. The last thing you need in that high-stress moment is to worry about whether your checking account can handle an emergency root canal or specialized splinting. CareCredit provides immediate financial relief. Because CareCredit is a revolving line of credit specifically for healthcare, you can rely on it the moment an accident happens.
You can bring your child straight to our Raeford emergency dental clinic, hand us your CareCredit card to cover the emergency exam and trauma treatment, and focus entirely on comforting your child.
CareCredit approval process
The CareCredit approval process involves the lender looking at various financial factors [2] (Driver, n.d.). We know that busy parents do not have time to fill out mountains of paperwork or wait weeks for a bank approval. The CareCredit application process is built for modern, fast-paced families. You can apply for CareCredit right from your smartphone while sitting in our Raeford waiting room. The digital application takes less than five minutes to complete, and the approval decision is generated almost instantly.
If approved, you will immediately receive an account number. You do not even have to wait for the physical card to arrive in the mail. Our team can use your new digital account number to process your child’s payment on the same day, ensuring there are no delays in their vital dental care.
Table comparing treatments commonly financed:
| Treatment type | Cost | Durability | Maintenance level |
| Pediatric crowns | Moderate | High | Low |
| Space maintainers | Moderate | Moderate | Moderate |
| Early orthodontics | High | Lifetime | High |
Can CareCredit be used for the whole family?
One of the biggest benefits of opening a CareCredit account is its long-term utility. This is not a one-time loan that disappears after your child’s cavity is filled. CareCredit is a revolving line of credit for healthcare. Once you are approved, you can continue to use the available balance for future treatments. Even better, CareCredit can be used for your entire family. If your teenager needs wisdom teeth removed, your toddler needs a space maintainer, or you suddenly need a crown, that single CareCredit account covers all of it at Village Family Dental. This financing option consolidates your healthcare spending into a single, easy-to-track monthly statement, making you the ultimate parent when it comes to managing medical expenses.
FAQs
1. Does the Raeford Village Family Dental take CareCredit for kids’ work?
Yes, our Raeford Village Family Dental location proudly accepts CareCredit for all pediatric dental work. You can use it to cover everything from emergency trauma care to routine cavity fillings for your child.
2. Can I use CareCredit to pay for my child’s braces?
Absolutely. Orthodontic work is one of the most common reasons parents in North Carolina utilize CareCredit. Because braces require a higher out-of-pocket cost, CareCredit lets you break that cost into manageable, long-term monthly payments.
3. Is there a minimum treatment cost to use CareCredit at Village Family Dental?
Generally, CareCredit offers its special promotional financing (such as interest-free periods) on treatment amounts of $200 or more. Our financial team will help you review your treatment plan to see exactly which promotional offers apply to your child’s visit.
References
[1] ADA. (2023). Patient Financing. Adamemberadvantage.com. https://www.adamemberadvantage.com/endorsed-programs/patient-financing
[2] Driver, K. (n.d.). How Does the Loan Approval Process Work | CareCredit. Www.carecredit.com. https://www.carecredit.com/well-u/financial-health/loan-approval-process/
